Zarkhez-e: Pakistan’s Digital Agriculture Finance Platform Transforming Farming with Smart Credit & Advisory
Pakistan has taken a major step toward modernizing its agriculture sector with the launch of Zarkhez-e, a digital agricultural financing platform. Introduced by the Finance Division, Government of Pakistan, in collaboration with the State Bank of Pakistan (SBP) and the Pakistan Banks Association (PBA), this initiative aims to make farm financing easier, faster, and more transparent for small farmers across the country.
Zarkhez-e is designed to digitally connect farmers with formal banking credit while also providing smart agricultural advisory services. The platform focuses on improving productivity, financial inclusion, and rural economic growth through technology-driven solutions.
What is Zarkhez-e?
Zarkhez-e is a digital agriculture finance app that allows farmers to apply for loans of up to Rs. 1 million directly through their mobile phones. Instead of lengthy paperwork and repeated bank visits, farmers can now submit applications digitally and choose their preferred bank for financing.
Once a farmer submits the application through the Zarkhez-e app, it undergoes:
- Digital verification
- Agronomic and land assessment
- Bank processing and approval
This streamlined process significantly reduces delays and improves access to formal credit for small and underserved farmers.
How Zarkhez-e Financing Works
One of the key features of Zarkhez-e is its structured disbursement model, designed to ensure funds are used productively.
- Up to Rs. 1 million financing limit
- 75% of the loan is provided in kind,meaning it is used to purchase agricultural inputs
- Inputs are purchased from pre-approved agri-vendors linked with banks
- Remaining amount supports farmers’ operational needs
This approach ensures that farmers receive quality seeds, fertilizers, and other inputs, reducing misuse of funds and increasing crop yields.
Smart Agri-Advisory Through LIMS
Beyond financing, Zarkhez-e also offers digital agricultural advisory services. Through integration with the Land Information Management System (LIMS), farmers receive:
- Crop-specific guidance
- Soil and land-based recommendations
- Timely advisory to improve productivity
This combination of finance and advisory makes Zarkhez-e more than just a loan platform—it becomes a complete support system for farmers.
Government Support & Incentives for Banks
To encourage banks to actively lend to small farmers, the Government of Pakistan has introduced strong incentives:
- 10% First Loss Coverage to reduce banks’ risk
- Rs. 10,000 operational subsidy per borrower for net new borrowers
- Focus on expanding credit to small and landless farmers
These measures motivate banks to increase outreach in rural and undocumented sectors.
Leadership Views on Zarkhez-e
Federal Finance Minister Senator Muhammad Aurangzeb emphasized that Zarkhez-e reflects the government’s commitment to financial inclusion, rural development, and food security by enabling farmers to access formal credit easily.
SBP Governor Mr. Jameel Ahmad highlighted that digitizing the credit journey removes barriers, ensures timely financing, and supports the expansion of digital payments in rural economies.
PBA Chairman Mr. Zafar Masud reaffirmed the banking sector’s support, noting that advanced technology and innovative credit assessments will help reach smallholder and landless farmers who were previously excluded from formal finance.
How to Apply for Zarkhez-e Loan
Farmers can access Zarkhez-e in two simple ways:
- Download the Zarkhez-e app from the Google Play Store
- Visit the nearest bank branch for help with digital registration and onboarding
The platform is user-friendly and designed to assist farmers at every step
Why Zarkhez-e is a Game Changer for Agriculture
- Digital and paperless loan process
- Easy access to formal credit
- Guaranteed use of quality agri-inputs
- Smart advisory for better yields
- Strong government and banking sector support
Zarkhez-e is expected to play a vital role in improving farm productivity, boosting rural incomes, and strengthening Pakistan’s food security.
Also read:MCB Bank Makes iPhone 17 Pro Affordable for Everyone – Installment Plan Details 2025
FAQs – Zarkhez-e Digital Agriculture Financing
What is the maximum loan amount under Zarkhez-e?
Farmers can apply for financing of up to Rs. 1 million.
Is Zarkhez-e only for land-owning farmers?
No, the platform also supports small and landless farmers.
How much of the loan is given in cash?
Around 75% is provided in kind for agri-inputs, while the rest supports operational needs.
Does Zarkhez-e provide farming advice?
Yes, farmers receive digital agri-advisory services through LIMS.
Where can farmers apply?
Through the Zarkhez-e mobile app or by visiting their nearest bank branch.
Also read:UBL Ameen Mera Pakistan Mera Ghar 2025 – Affordable Islamic Housing for Every Pakistani
Call to Action (CTA)
If you are a farmer looking for easy agricultural financing, quality inputs, and expert advisory, Zarkhez-e is your opportunity to grow smarter and earn more
📲 Download the Zarkhez-e app today or visit your nearest bank branch and step into Pakistan’s digital agriculture future.
0 Comments